Saved 156.7 Million baht/year Saved 21,435 TCO2 /year Saved 75,211 Trees/year Thailand Voluntary Emission Reduction Program 23,418 TCO2 Carbon Credit Data from January - December 2020 Centralized

Brand Growth Strategy Dominate Digital Payment Reimagine Commercial & Consumer Lending Democratize Investment & Insurance Penetrate Regional Market Net Zero Society Net Zero in Own Operations Decarbonized

 SINCE 2016, 6.18 MILLION TREES HAVE BEEN PLANTED  ABSORB GHG 250,000 TONCO2E TRUE E-BILL & TRUE E-TAX (PAPERLESS)  REDUCE PAPER USE 213 MILLION SHEETS  REDUCE GHG 2,242 TONCO2E TRUE VIRTUAL WORLD (TRUE

: Relevance Date (Newest) Date (Oldest) PowerPoint Presentation CO2e / year Trees / year1,625 Data from January - December 2020 12 GHG REDUCTION : Project activities Electronic meeting • Annual General

harmoniously combining technology and talent” Customer Promise 5 Confidential Growth Strategy Key Capabilities Purpose Strong Brand Dominate Digital Payment Reimagine Commercial & Consumer Lending Democratize

from change in fair value of biological assets 9.70 Million Baht. The main cause is the value of economic trees that was recorded in the consolidated financial statements as at 31 December 2016

disturbances, in which trees are being or have been regenerated by a combination of natural and artificial regeneration with species typical of natural forests in that site, and where many of the above-ground

pathway to net zero is not certain. The following decision trees can be used to classify entities and activities within this Transition Framework Meets transition principles *Why can green or transition

(e.g. crop cultivation and planted trees) Agriculture Criteria Climate Bonds Standard 2021 PAGE 1 Scope AGRICULTURE CRITERIA Climate Bonds Standard 4. Agricultural outputs (e.g. grains, vegetables, fibre

. 2558 (2015), which allows “perennial trees” to be registered as business collateral. Its objective is to encourage people to grow high-value trees in order to create economic value and to maximize the